Return To Profitability (2025)The company returned to net profitability in 2025 after two loss years, indicating the core banking operations can generate positive earnings. This improves capital retention, reduces solvency risk, and supports reinvestment and lending capacity over the next medium term if profitability is sustained.
Material De-risking Of LeverageA sharply improved debt-to-equity position and a significant year-over-year debt reduction materially lower financial risk. Reduced leverage lowers interest expense sensitivity, strengthens liquidity buffers and enhances resilience to shocks, enabling safer organic growth and regulatory flexibility.
Strong Cash Flow RecoveryOperating and free cash flow turned strongly positive in 2025 and tracked reported earnings, signaling improved earnings quality and conversion. Robust cash generation supports debt reduction, funding of lending or product growth, and reduces reliance on external wholesale funding over the medium term.